A holiday loan will help you get through Thanksgiving, Christmas, Hanukkah, and the new year.  White Sands FCU is an excellent source for your next holiday loan.

We know the holidays can be stressful enough without worrying about how to afford them. Worse yet, the shopping season always seems to arrive before you’re really ready for it or prepared with adequate savings. That’s why we offer several different personal loan options to help keep you in the holiday spirit without busting your budget – this season, consider a holiday loan from White Sands FCU. Holiday loans can be used for purchasing gifts, holiday travel, or any other holiday expense. Holiday loans feature:

• Low rates and terms up to 5 years
• Borrow up to $25,000
• Apply online 
• No payments for 90 days* (on personal and secured loan)
• Skip up to 2 payments per year**

Our holiday loan rates are competitive and payment terms are affordable.  Apply online today 

Personal Loan Rates

APR: Annual Percentage Rate. Rates subject to change without notice.
Loan rates and terms are determined by credit score, amount financed and other factors.

	Term	APR* as low as	APR* as low as - with Loyalty Plus & Online Application Discount
Signature	up to 60 months	12.00%	11.50%
Line of Credit	revolving	12.00%	11.50%
Share Secured	varies	2.00% above dividend rate	N/A
Share Certificate Secured	varies	2.00% above dividend rate	N/A

*Finance charges begin on the date the loan is made and interest accrues during the payment deferral period. The first payment is due within 90 days of loan disbursal.

**Our skip-a-payment program requires the loan be in good standing and is not available for mortgage loans or credit cards. The fee to skip a payment is $20 per payment if done online or $30 if done in a branch /phone. Other terms and conditions apply.